Question 2: What should I do after receiving the bank acceptance bill 1? Pay regularly after billing.
This commitment will be submitted before June 8, 2008. Please ask the staff of the bank where the account is opened, because the specific requirements of the bank are different and vary from place to place.
3. The money of the draft can only be transferred to the company account.
Question 3: How to use the acceptance bill? Acceptance of a bill of exchange The so-called acceptance is simply a promise to cash it, and it is an act that the payer signs the bill to express his commitment to undertake the payment obligation when the bill expires in the future. Acceptance only occurs in the related activities of forward bills.
The drawer issues a bill of exchange and delivers it to the payee, and the payee requests payment from the drawee recorded in the bill, and the drawee assumes the payment obligation. This is because before the ticket is issued, there is a capital relationship between the drawee and the drawer, there is a certain capital exchange between the drawer and the drawee, or the drawee has a debt to the drawer. Therefore, the drawer entrusts the payer to pay. In order to make the drawee ready for payment, the holder shall present the acceptance to the drawee before the bill expires, and the drawee shall express his intention. Once accepted, the payer becomes the acceptor and has the obligation to pay unconditionally. On the contrary, if the payer does not agree to accept and sign the bill, there will be no bill liability. The drawee does not agree to the acceptance and is irresponsible to the payee, but only violates the agreed obligations to the drawer; Form a breach of contract, so as to bear the liability for breach of contract to the drawer, not the liability for the bill. The payee can't ask the payer to bear the responsibility because the payer doesn't agree to the acceptance, and can only exercise the right of recourse against his predecessor.
Acceptance bills are only applicable to bills payable at regular intervals, at regular intervals after the date of issue and at regular intervals after sight. Bills payable at sight do not need to be presented for acceptance, so there is no acceptance behavior. At the same time, there is no need to accept a bill in which the drawer and the payer are the same person. 1. What is a commercial acceptance bill?
A commercial acceptance bill is a bill issued by the drawer, which entrusts the drawee to unconditionally pay a certain amount to the payee or holder on a specified date, and is accepted by a drawee other than a bank. Commercial acceptance bills can be drawn by the payee and accepted by the payer, or drawn and accepted by the payer. The business of commercial acceptance bills is limited to RMB, and the payment period of bills of exchange is no longer than six months, and the amount of each bill is generally no more than 50 million yuan.
2. What's the difference between a commercial acceptance bill and a bank acceptance bill?
Commercial acceptance bill and bank acceptance bill have different acceptors, which determines that commercial acceptance bill is commercial credit and bank acceptance bill is bank credit. At present, bank acceptance bills are generally issued and accepted by banks, while commercial acceptance bills can be transferred without bank issuance and endorsement, but they are lower in credit rating and liquidity and more difficult to discount in banks.
3. What is the business of attaching commercial acceptance bills?
Commercial acceptance bill guarantee refers to a credit granting behavior that an enterprise that meets the requirements of our bank promises to discount the commercial acceptance bill issued or held by it in the form of a letter, that is, to give the guarantee amount. According to the definition, the commercial acceptance bill sticker is the credit line issued by the bank to the enterprise, which can be recycled within the line. The enterprise applying for the guarantee amount can be the acceptor, holder or discount applicant of the bill. After obtaining the credit line guaranteed by the bank, the credit undertaker can attach a bank guarantee to the commercial acceptance bill issued or held by the bank, and the bank will guarantee the discount. When the holder submits the bill discount to the bank, the bank will finance it after deducting the interest.
4. What role does the protection and pasting business of commercial acceptance bills have for enterprises?
The main function of guarantee business is to strengthen the liquidity and liquidity of bills through the promised discount of banks. Compared with bank acceptance bills, the payer of commercial acceptance bills is generally an enterprise. Because China's commercial credit system has not been fully established, it is more difficult to discount commercial acceptance bills than bank acceptance bills, and it is difficult for holders to accept them. If the bank puts a guarantee sticker on the commercial acceptance bill, the holder can get the promise of bank discount and can apply to the bank for discount before the bill expires. After the bill expires, the bank will prompt the acceptor to pay. Therefore, the acceptability of commercial acceptance bill with protection letter is greatly improved, which can be regarded as bank acceptance bill in basic function and can be used as an important credit tool for enterprise financing payment.
5. How to charge the bank fee for the protection and pasting business of commercial acceptance bills?
The undertaker of the deposit amount of the commercial acceptance bill shall pay a certain amount commitment fee after the application amount is approved. When purchasing a commercial acceptance bill, the drawer of the commercial bill needs to pay the production cost. Enterprises applying for discount shall pay the interest from the discount date to the maturity date of the bill, and the interest rate level shall generally not exceed the loan interest rate of the same grade (including floating); & gt
Question 4: How do individuals use acceptance bills? Private individuals are not allowed to withdraw cash. Bank acceptance bills are aimed at enterprises, and discounted bills should be true and based on real transactions. Fictitious transactions are fraudulent acts and should bear corresponding legal responsibilities.
Question 5: How to use the bank acceptance bill? 1. You can go to any bank in your company.
2. Half a month in advance
3. Number
4. Remember to support and take good care of Yin Cheng.
5. There are two ways to withdraw money in advance: 1, bank discount, and purchase contracts and invoices. Generally, it takes three working days, and if there is no loan card, it takes more than 10 days. 2. Find a bill company to accept, generally pay the bill first. Be careful.
Question 6: How to operate the issuance of bank acceptance bills, and the issuance and payment of bank acceptance bills generally include the following steps: drafting a flow chart.
Sign a trade contract
After consultation, the two parties signed a commodity trading contract, and indicated in the contract that the bank acceptance bill was used for settlement. As a lender, it is safer to use a bank acceptance bill if the other party's commercial credit is not good, or he doesn't know much about the other party's credit status, or he lacks confidence. Because the bank acceptance bill is accepted by the bank, there is a bank credit guarantee, which can ensure the timely recovery of the payment.
issue a bill of exchange
The payer shall issue a sample bank acceptance bill in accordance with the provisions of the contract signed by both parties.
. The bank acceptance bill is in quadruplicate, the first copy is a card, and the accepting bank will make a payment summons when making payment; Second, when the payee bank receives the bill from the acceptance bank, it will subpoena the interbank account; The third is the settlement notice, which is sent to the accepting bank along with the customs declaration when the bill is received by the payee's bank, and the accepting bank serves as an attachment to the payment summons; The fourth copy is the stub copy, and the issuing unit prepares the relevant vouchers. Remarks: When filling in the bank acceptance bill, the cashier of the drawee should fill in the date of issue of the bank acceptance bill, the full names of the payee and the acceptance applicant (i.e. the drawee), the account number, the opening bank, the bill amount, the bill maturity date, the transaction contract number, etc. , and the first, second and third copies of the bank acceptance bill are stamped with the reserved bank seal, and the agent and the agent sign it.
acceptance of bills
After filling in the bank acceptance bill, the cashier of the payment unit shall check the relevant contents of the bill with the transaction contract, fill in the "Bank Acceptance Agreement" after verification, and affix the official seal of the unit to the "Acceptance Applicant". The bank acceptance agreement is in triplicate, which mainly includes the basic contents of the draft and the basic terms that the applicant should abide by after the bank accepts the draft. Basic format of bank acceptance bill agreement (omitted)
Pay handling fee
According to the provisions of the Bank Acceptance Agreement, the payer pays the handling fee to the acceptance bank when handling the acceptance formalities, and the bank that opens the account deducts it from the depositor of the payer. According to the current regulations, the handling fee for bank acceptance bills is charged at one thousandth of the face value of bank acceptance bills, and for each sum less than 10 yuan, it is charged at 10 yuan. The longest acceptance period shall not exceed 6 months. If the applicant for acceptance fails to pay the bill in the bank, the overdue penalty interest shall be charged according to the regulations.
Question 7: How to use commercial acceptance bills? How to use commercial acceptance bills;
Commercial bills can be used after being presented to the drawee for acceptance at the time of issuance, or they can be used after being presented to the drawee for acceptance. The time limit for presentment payment of a commercial bill is 10 days from the maturity date of the bill.
The holder shall entrust the payment through the opening bank or directly present the payment to the payer within the payment period. For entrusted collection in different places, the ticket holder can calculate the postal itinerary in advance and entrust the collection through the bank where the account is opened.
If the holder presents payment beyond the time limit for presenting payment, the holder's bank will not accept it.
The payee should calculate the postal distance from the payee to the payer's bank, and entrust the bank to collect money in advance before the bill expires. When the entrusted bank collects money, it should fill in the "entrusted receipt voucher" in quintuplicate, in which the column of "name of entrusted receipt voucher" should indicate the words "commercial acceptance bill" and the bill number, and affix the official seal of the payee on the back of the second copy of the commercial acceptance bill and send it to the bank where the account is opened. After the bank has audited, it will go through the relevant collection procedures and return the stamped "entrusted collection voucher" to the payee for preservation.
Question 8: What should I do when the acceptance bill expires? There are only two options when the bill expires: collecting money at the bank where the account is opened and transferring it to the next home. Collection, bill endorsement column, financial seal, fill in collection form.
Endorser: an enterprise that transfers a bill of exchange to others.
Endorsee: the enterprise to which the bill is transferred.
Bank acceptance bill: a bill of exchange guaranteed to be paid by the bank at maturity.
Commercial acceptance bill: when the bill expires, the bank does not guarantee payment, and only the issuing enterprise can pay it. Payment is made through an account.
Question 9: Operation Steps of Discounting Acceptance Bills The bill discount business is a loan issued by banks to enterprises by purchasing unexpired bank acceptance bills or commercial acceptance bills. Discounting refers to the behavior that the holder of bills (such as bills of exchange and promissory notes) transfers the rights of bills to financial institutions to obtain funds before the bill expires, and it is a way for financial institutions to raise funds from the holders. Including bank acceptance discount and commercial acceptance discount. Basic process of bank acceptance bill Note: ① Sign commodity trading contract; (2) submit materials for acceptance; (3) submitted to the superior for approval; ④ Agree or disagree with the treatment; ⑤ Sign the acceptance agreement; Seal up for acceptance and collect or return relevant materials; (8) Delivery of bills; (8) Entrusting banks to collect bills due; Pet-name ruby issue bills and entrusted receipts; ⑩ Withdrawing bills or refusing to pay loans: Discounting bills refers to loans granted by banks by purchasing the commercial bills of borrowers that are not due. Loan conditions: In addition to the conditions stipulated in the working capital loan, the following points should be met: (1) There is a real commodity trading relationship between the borrower and the drawer or his predecessor. (2) The acceptance bill is complete in elements, continuously endorsed, and its contents have not been altered, and the relevant signatures meet the requirements of the bill law. (3) There are real copies of commodity trading contracts and VAT invoices. (4) A bill of exchange shall not be marked with the words "non-negotiable" or "mortgaged".
Question 10: How to operate bank acceptance bills? A bank acceptance bill is a bill in which a depositor opens a deposit account in an accepting bank, applies to the opening bank and is accepted by the opening bank, and guarantees to unconditionally pay a certain amount to the payee or holder on the specified date. Accepting a commercial bill issued by the drawer is the credit support given by the bank based on the recognition of the drawer's credit standing. The maximum face value of bank acceptance bills in China is 6,543,800 yuan (inclusive). A handling fee of 0.5 ‰ of the face value is charged to the acceptance applicant for bank acceptance bills, and the amount less than 10 yuan is counted as 10 yuan. The longest acceptance period shall not exceed 6 months. If the applicant for acceptance fails to pay the bill in the bank, the overdue penalty interest shall be charged according to the regulations. Discounting refers to the behavior that the holder of a forward bill transfers it in the discount market after acceptance and before the bill expires, and the transferee pays the money to the transferor after deducting the discount interest. Or the bank's business of buying unexpired bills. Overview of discount Generally speaking, bill discount is divided into three types, namely discount, rediscount and rediscount. Discounting refers to the bill behavior that the holder of a bank acceptance bill transfers the bill rights to the bank in order to obtain funds before the bill expires, and it is a way for the bank to raise money from the holder. The nature of discount: discount is an asset business of banks. The drawee of a bill owes a debt to the bank, and the bank actually has an indirect lending relationship with the drawee. Discount rate: floating on the basis of the current rediscount rate of the People's Bank of China. The discount rate is the market price, which is determined by both parties through consultation, but the maximum discount rate cannot exceed the current loan interest rate. Calculation of discount interest: discount interest refers to the interest paid by the payee of the bill to the discount bank in order to obtain the fare before the bill expires.